Mercantile Adjustment Bureau, LLC Debt Collection Complaint

Mercantile Adjustment Bureau, LLC Debt collection department,

Medical Disclosure verification of debt Not given enough info to verify debt New Jersey

To Whom It May Concern, In -/-/-, I have requested for credit card limit increase to - - -. However, they could not increase my spending limit due to my annual income. At that time, - of the specialists called me and told me that there 's a collection on my account that I would need to find out which is a negative impact on my credit report. This is when I first find out about my collections. On -/-/-, I have contacted Mercantile ( Collection Company ) and spoke with - - ( - # - ) to find out about what the collection was for. She told me that it was from the - Hospital that billed me and went to Collections Company. So I told her, I had my school insurance during that time and should have been covered. '' - - was unaware of that matter and told me to contact the Hospital to dispute the bill. So, I contacted the Hospital and found out that I would have to contact their - party billing


never received any claims under my policy and even if they did, it should have been covered. ( Please refer to copy of email received from - -. ) On -/-/-, I contacted - the - party billing company and spoke with - to ask if she can dispute the balance due under my account. However, she told me that she could not open up any bills because they are no longer in service with - Hospital. Therefore, she can not dispute my bills and told me to contact the Hospital again ... I have tried to dispute this bill by contacting Collections Company, the - hospital, - party billing service, insurance company, and new - party billing service for - Hospital. However, there was no one who can dispute or even open the bill and claim it to insurance company. I have never received the bill and unaware of it because I lived in -, NY only for five months. After contacting all those parties, I contacted Hospital for - last time. - of the representatives from - hospital understood my situation and told me to contact the - credit bureaus directly and dispute the collections. Therefore, I contacted -, -, and - and sent all my documents to request dispute. As a result, - have deleted my collections. However, - can not dispute my collection because Mercantile ( collection company ) denied to my request. - told me if I 'm not satisfied to the results, I would need to send Personal Statement explaining why I 'm not satisfied.. First of all, I did not understand why - asked Collections Company to dispute it again. I already told them that I was not able to dispute with any of the related parties. Please consider my situation and investigate my account. Thank you- - -